Union County property record for 995 Wynstone Dr, Jefferson, SD 57038
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2,411 sqft · built 2021 |
| Lot Size | 1.4 acres (60,984 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $876,000 (May 2023) |
| Tax Bill | $12,223 (2026) |
| Deeds & Mortgages | Oct 2020 Construction Loan Aug 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 17.WS.12.1112 |
| Primary APN | 17.WS.12.1112 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Stories | 1 Story |
| Building Area | 2,411 sqft Living Area |
| Basement Area | 4,514 sqft |
| Finished Basement | 4,514 sqft |
| Flooring | Stone |
| Interior Walls | Stone |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Combination |
| Foundation Type | Stone |
| Roof Material | Composition Shingle |
| Lot Area | 60,984 sqft (1.4 acres) |
| Garage Type | Attached |
| Garage Area | 1,316 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Covered Porch |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 995 WYNSTONE DR |
|---|---|
| City | JEFFERSON |
| State | SD |
| Zip | 57038-6875 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 112 WYNSTONE 12TH ADD PHASE 1 (1.40A) |
| Legal Range | 07W |
| Legal Township | 30N |
| Legal Section | 36 |
| Legal Subdivision | WYNSTONE 12TH ADD |
| Legal Phase | 1 |
| Legal Lot Number | 112 |
| Legal Unit | 1 |
| Jurisdiction | UNION SD |
| Township / Civil Division | JEFFERSON |
| Census Block Group | 3 |
| Census Block | 3047 |
| Census Tract | 20302 |
Source: Union County records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 995 WYNSTONE DR, JEFFERSON, SD 57038-6875 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 29, 2020 | Deed of Trust, Mortgage · Construction Mortgage CENTRAL BANK |
| Aug 3, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CENTRAL BANK |
| Jun 15, 2023 | Deed of Trust, Mortgage · Commercial Mortgage UNION BANK & TRUST CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 30, 2023 · Amount on Record |
| Deed Sale | May 30, 2023 · Amount on Record |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION SD |
| Property Address | 995 WYNSTONE DR, JEFFERSON, SD 57038-6875 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2024 |
| Name | Verified Name |
|---|---|
| Address | 1512 LABURNUM ST, MCLEAN, VA 22101-2527 |
| Investor | Possibly a Property Investor |
| Document Number | 00176/1220 |
|---|---|
| Date | Oct 29, 2020 |
| Book Page | 176/1220 |
| Instrument | 205189 |
| Name | CENTRAL BANK |
|---|---|
| Type | Bank |
| Address | SPIRIT LAKE, IA 51360 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | Nov 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.99% |
| Type Change Date | Nov 1, 2022 |
| Change Frequency | Annually |
| Min Rate At Change | 3.99% |
| Max Rate At Change | 5.99% |
| Index | 1-Year CMT |
| Margin | 3 |
| Max Rate | 9.99% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION SD |
| Property Address | 995 WYNSTONE DR, JEFFERSON, SD 57038-6875 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2024 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 000178/829 |
|---|---|
| Date | Aug 3, 2021 |
| Book Page | 178/829 |
| Instrument | 213661 |
| Name | CENTRAL BANK |
|---|---|
| Type | Bank |
| Address | SPIRIT LAKE, IA 51360 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION SD |
| Property Address | 995 WYNSTONE DR, JEFFERSON, SD 57038-6875 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2024 |
| Name | Verified Name |
|---|---|
| Address | 103 S MICHIGAN AVE, YORK, NE 68467-4617 |
| Document Number | 000182/307 |
|---|---|
| Date | Jun 15, 2023 |
| Book Page | 182/307 |
| Instrument | 231375 |
| Name | UNION BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | 82535 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 6 Months |
| Due | Dec 1, 2023 |
Source: Union County assessment roll, as of October 6, 2025
| Type | Name |
|---|---|
| State | South Dakota |
| County | Union County |
| County Subdivision | Jefferson Township |
| Unified School District | Dakota Valley School District 61-8 (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $12,223.00 | $899,777 (-) Land $81,719 Building $818,058 |
| 2025 | $12,223.00 (+5.67%) | $899,777 (+15.03%) Land $81,719 Building $818,058 |
| 2024 | $11,567.00 (+7.64%) | |
| 2023 | $10,746.00 (+12.69%) | $782,188 Land $73,913 Building $708,275 |
| 2022 | $9,536.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
Source: FEMA National Flood Hazard Layer, effective May 31, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 18 policies |
| Nearby Flood Policies | 18 in force |
| Nearby Flood Claims | 2 (2024) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Jun 2024 · Severe Storms, Straight-line Winds, And Flooding |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 81% of the US · above 92% of South Dakota |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CLAY RWS/SOUTH UNION private · serves 1,447 people · EPA ID SD4602185 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2024 |
| Lead | 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 76 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Long Lines Metro Cable | 1,500 / 50 |
| Sparklight Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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